Go Solar Now, Pay Over Time
You do not need to pay for your energy upgrade all at once. HP Energy works with a panel of trusted Australian finance providers, with options for homeowners, non-homeowners and businesses, so you can spread the cost of solar, batteries and other energy upgrades into manageable repayments.
Our most popular finance partners
Start saving from day one
Upfront cost is the most common reason people put off going solar. Finance changes that. Instead of waiting years to save $10,000 or more, you can install now and compare your monthly repayment with the drop in your power bill.
Our most-used providers connect directly with the quoting platform we use, so your quote and your finance can be sorted out together. Every rebate and incentive you qualify for is applied first, so you only finance what is left.
How finance makes going solar easier
No big upfront cost
$0-deposit options let you start saving straight away instead of waiting until you have the full amount.
Savings help with repayments
Lower power bills can help offset your repayments, so your system starts paying its way from the day it is switched on.
A better system
Spreading the cost makes it easier to add a battery or size your system to your real needs rather than settle for the cheapest option.
Options for everyone
Homeowners, people who do not own their home and businesses can all find a finance option on our panel.
Our most popular finance partners
These are the providers our customers choose most often. Your HP Energy specialist can help you compare them.
Brighte
Australia's largest solar finance specialist, helping households pay for solar, batteries and energy upgrades over time.
- 0% Interest Payment Plan: $1,000 to $60,000 over 6 months to 10 years, with fortnightly repayments
- Green Loan: up to $65,000 over 2 to 10 years, with no early repayment fees
- CommBank Home Energy Upgrade Loan: for CommBank customers, offered through Brighte, with rewards for eligible customers
Plenti
An Australian lender whose zero-interest plan means you know exactly what you will pay each month.
- Zero-Interest Payment Plan: borrow up to $30,000 with a flat monthly fee instead of interest, over 3 to 6 years, or up to 10 years when a battery is included
- Green Loan: a personalised rate for bigger jobs or amounts above the zero-interest limit
- Usually no early repayment fee, so you can use your bill savings to pay it off sooner
Smart Ease
A specialist commercial lender since 2014, helping businesses go solar with no capital outlay.
- $0 upfront, from $3,000 to $10 million, typically over 2 to 10 years
- Covers solar, battery storage, EV chargers and other energy-efficient equipment
- Choose a chattel mortgage (you own it), a rental plan or a subscription plan that includes servicing
- Approval up to $150,000 without financial statements, subject to credit criteria
Other finance providers we work with
Every household and business is different. These lenders and brokers give you even more ways to fund your upgrade.
For households
Buddii Finance
An online broker that compares a panel of lenders, from major banks to smaller lenders, to find a solar loan for you. A good fit if you do not own your home or need a larger amount (minimum loan $10,000).
Community First Bank
A customer-owned bank offering an unsecured Green Loan from $1,000 for solar, batteries, solar hot water and other eligible home improvements. Ideal if you prefer to deal with a bank.
For homes and businesses
ATLAS
A Melbourne-based broker offering residential and commercial solar finance, with terms up to 10 years and funding for equipment and larger renewable projects.
RPS Energy Finance
A specialist clean-tech and energy finance broker, giving you access to multiple lenders for residential solar and business assets.
For businesses
Mako Partners
A NSW-based asset and commercial finance broker. Suits larger businesses that already finance equipment and want solar arranged alongside it.
Business Growth Finance
A Sydney business finance broker offering equipment finance, chattel mortgages and leases, so small businesses can fund solar as equipment and keep cash for day-to-day operations.
Prefer not to use a lender?
These options are arranged directly with us, with no third-party loan.
- Cash Deal. Pay upfront for the lowest total cost. There is no interest and no lender fees, and you own your system outright from day one.
- Instalment Plan. Pay HP Energy in stages rather than one lump sum. It eases your cash flow without a third-party loan and keeps your whole project with one company.
Which option is right for you?
| Option | Who it is for | Good for | Providers |
|---|---|---|---|
| Zero-interest plan | Homeowners | Predictable repayments without paying interest (account or monthly fees apply) | Brighte, Plenti |
| Green loan | Homeowners | Larger systems such as solar plus battery | Brighte, Plenti, Community First Bank |
| Home Energy Upgrade Loan | CommBank customers | Customers who already bank with CommBank | CommBank via Brighte |
| Personal loan | Individuals | Customers who do not own their home or need a larger amount | Buddii Finance |
| Broker finance | Homes and businesses | Comparing rates across several lenders | ATLAS, RPS Energy Finance |
| Commercial finance | Businesses | Commercial solar with no capital outlay, or funded as equipment | Smart Ease, Mako Partners, Business Growth Finance |
| Cash Deal or Instalment Plan | Everyone | Customers who would rather not take out a loan | HP Energy |
Not sure which to choose? Your HP Energy specialist will talk you through the options when we prepare your quote.
Finance made simple
We take care of the details so you can focus on the savings.
- Get your free quote. We design a system to suit your property and apply every rebate you are eligible for.
- Choose your finance. We explain the options available and help you pick the one that fits your budget.
- Apply with the provider. With many of our partners you can apply online at the quote stage, and the provider assesses your application.
- We install, you save. Once you are approved, our own certified technicians install your system and you start making repayments.
Finance questions, answered
QCan I still get rebates if I use finance?
Yes. Government rebates and incentives are applied to your quote first, so you only finance the remaining balance.
QDoes a zero-interest plan cost anything?
Zero-interest plans do not charge interest, but they do carry fees, such as account fees or a flat monthly fee. Check the provider's fees and terms so you know the total cost before you sign.
QI do not own my home. Can I still get finance?
Most zero-interest plans and green loans are for homeowners. A personal loan, such as one arranged through Buddii Finance, does not depend on owning your home.
QIs finance available for businesses?
Yes. Smart Ease offers $0 upfront commercial finance, and we also work with commercial brokers who can arrange solar as equipment or asset finance. Ask our team which option suits your business.
QWho approves my finance application?
Your application is assessed and approved by the finance provider, not HP Energy. Each provider has its own lending criteria, fees and terms, and credit checks apply.
QCan I pay off my loan early?
Many of our partners, including Brighte's Green Loan and Plenti's zero-interest plan, usually allow early repayment without a penalty. Conditions vary, so check the terms of your plan.
Ready to explore your options?
Get a free quote and our team will help you find the finance option that suits you, with no obligation.
T&Cs, fees and eligibility criteria apply. HP Energy is not a credit provider and does not provide financial advice. All finance is provided by third-party lenders and brokers and is subject to their own approval and lending criteria. Zero-interest plans may include account or monthly fees. Loan amounts and terms are a guide only and may change; check current details with the provider. Compare your options and read the provider's terms before applying.